Fixed deposits (FDs) remain one of the most trusted investment options for Indian investors.
They provide fixed returns, unaffected by market ups and downs.
Both working professionals and retirees prefer FDs for their safe and stable growth.
In 2025, several banks have introduced attractive FD rates for their customers.
Let’s check out which banks are offering the best returns.
Top FD Rates Offered by Banks
State Bank of India (SBI)
India’s largest public sector bank, SBI, offers competitive FD interest rates:
General customers: 3% to 7.10%
Senior citizens: 3.50% to 7.60%
SBI provides FD tenures ranging from 7 days to 10 years, catering to both short-term and long-term investors.
HDFC Bank
HDFC Bank offers slightly higher interest rates and also provides digital FDs, so you can invest from home:
General customers: 3% to 7.25%
Senior citizens: 3.50% to 7.75%
Digital FDs make it convenient for investors to manage their deposits without visiting the branch.
ICICI Bank
ICICI Bank allows customers to start FDs with as little as Rs 1,000.
Its FD rates are:
General customers: 3% to 7.10%
Senior citizens: 3.50% to 7.60%
ICICI FDs are ideal for those looking for secure and stable returns.
IDBI Bank
IDBI Bank also offers attractive FD interest rates for both regular investors and senior citizens.
While details may vary depending on tenure, its FDs are considered safe and reliable.
Why Invest in FDs in 2025?
FDs are perfect for investors who prefer risk-free returns.
They are ideal for building emergency funds, saving for retirement, or accumulating wealth for future goals.
Senior citizens benefit from slightly higher rates, making FDs a smart choice for stable income.
Investors should compare rates across banks, check tenure options, and choose the one that best fits their financial goals.
